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Background & Purpose

The Home Mortgage Disclosure Act (HMDA) was enacted by Congress in 1975 and was implemented by the Federal Reserve Board's Regulation C. On July 21, 2011, the rule-writing authority of Regulation C was transferred to the Consumer Financial Protection Bureau (CFPB). This regulation provides the public loan data that can be used to assist:

  • in determining whether financial institutions are serving the housing needs of their communities;
  • public officials in distributing public-sector investments so as to attract private investment to areas where it is needed;
  • and in identifying possible discriminatory lending patterns.

This regulation applies to certain financial institutions, including banks, savings associations, credit unions, and other mortgage lending institutions.

Reporting Year Activity Year (CY) No. Reporting Institutions No. Loan Records Reported (in millions)
2013
2012
7,400
18.7
2012
2011
7,632
14.7
2011
2010
7,923
16.3
2010
2009
8,124
19.5
2009
2008
8,388
17.4
2008
2007
8,610
26.6
2007
2006
8,886
34.1
2006
2005
8,848
36.4
2005
2004
8,853
33.6
2004
2003
8,121
41.6
2003
2002
7,771
31
2002
2001
7,631
28
2001
2000
7,713
19
2000
1999
7,829
23
1999
1998
7,836
24.7
1998
1997
7,925
16.4

Using the loan data submitted by these financial institutions, the Federal Financial Institutions Examination Council (FFIEC) creates aggregate tables for each metropolitan statistical area (MSA) or metropolitan division (MD) (where appropriate), and individual institution disclosure reports. The aggregate tables and individual disclosure reports for calendar years 1999 - 2011 are available on this website (www.ffiec.gov/hmda) or also on the FFIEC website (www.ffiec.gov/reports.htm). Furthermore, the FFIEC provides to the public a few other data products, including TS and LAR raw data software and Census data on this website. See the data request order form regarding the products, their format, and availability.


READ MORE ABOUT THE HISTORY OF HMDA